Eligibility
What lenders look for
- Licensed dental professional or professional corporation
- New graduates and associate buy-ins considered
- Equipment and leasehold buildouts, new or used
Funding up to $1,000,000 · Zero-down options available · Terms 24 to 72 months
Dental equipment and practice financing
Financing for dental chairs, operatories, CBCT imaging and full practice buildouts, placed with lenders who work with dental professionals.
Estimate your paymentExample rate 9%
$1,967/month over 48 months
CBL funds up to $1,000,000
Example only, not a quote. The lease example includes a 10% buyout at the end of the term. Your rate depends on credit, time in business and the equipment.
Continue to applicationThe short answer
Yes. CBL Financial arranges loans and leases for dental chairs, operatories, CBCT and intraoral imaging, and full practice buildouts, new or used, from any seller. It suits established owners, new graduates opening a first practice and associates buying in. Funding goes up to $1,000,000, terms run 24 to 72 months, and zero-down options are available.
At a glance
CBL Financial is an equipment financing brokerage in Calgary, Alberta, that arranges dental equipment financing for businesses across Canada. Funding goes up to $1,000,000, terms run 24 to 72 months, and approvals can come the same day for straightforward files.
| What it is | Dental equipment financing, arranged through a lender network |
|---|---|
| Funding | Up to $1,000,000 |
| Terms | 24 to 72 months |
| Approval time | Same day possible for straightforward files |
| Where | Businesses across Canada, from a head office in Calgary, AB |
| Equipment | Dental chairs & operatories, Imaging (CBCT, X-ray, ultrasound), Lasers & aesthetic devices, Sterilization equipment, Practice buildouts |
| Sellers | New or used, from a dealer, auction or private seller |
| Rate and down payment | Set by the lender for each file, based on credit, the asset and its age |
Dental equipment is a straightforward file for the right lender. The equipment has a long clinical life and holds its resale value, and the borrower is a licensed professional with fairly predictable income. The catch is getting the file in front of a lender who works with dentists. A generalist credit desk may not know how to read a professional corporation or a new graduate’s income, and that can show up as a decline or a weaker offer. We send chairs, operatories, imaging and sterilization equipment to the healthcare lenders who see these files regularly.
A lot of dental financing is bigger than a single chair: a new operatory, a CBCT unit, a full first-practice buildout, an associate buying in. These deals often combine equipment with leasehold improvements and a professional-corporation structure. We put the equipment and buildout into one request and present the professional file the way healthcare lenders expect to see it. Zero-down options are available for qualifying files, which keeps cash free for the launch.
Why CBL
Why finance dental equipment with CBL
Equipment and buildout together
Operatory equipment, cabinetry and leasehold improvements can often sit in one facility with one payment, instead of a stack of separate agreements.
Professional corporations understood
PC structures, associate buy-ins and new-practice files go to lenders who see them regularly and know how to read professional income.
Zero-down options
Zero-down options are available for qualifying files, which leaves more cash for staffing, supplies and marketing during the launch.
Imaging valued as clinical equipment
CBCT and intraoral units have long clinical lives. Lenders who work with dentists know that and value them accordingly.
How it works
A straightforward process
- Step 1
Outline the practice plan
The equipment list, any buildout, and where you are in your career (new grad, associate buying in, or established owner).
- Step 2
We place it with healthcare lenders
Your file goes to lenders who work with dental and healthcare practices and understand professional income.
- Step 3
Choose terms and open
Compare offers, then vendors and contractors are paid. Terms run 24 to 72 months, so payments can be spread across the ramp-up.
Start your application
Ready when you are
Apply in one sitting. Approvals can come the same day. Questions? Call 877-522-2498.
Start your application